Comenity

If I could give it zero I would. I never received my card. By the time I realized and called asking about my card I had received interest and late fee charges. My $30 purchase was now over $120. When I contacted them they offered to resend my card but would not wave the fees. Needless to say I cancelled the card and had to pay an extra 90.00 in fees on a card I never actually received. Besides this shady disregard for customers - Cards hold a very high interest rate, easy to obtain. So tempting but STAY AWAY if you are someone that carries a balance month to month.

Recently I just received notification my Big Lots credit card as well as my Modell's credit card has had the credit limits decreased. When I called them they told me I would receive a letter in the mail and it said that my limit was decreased based on my credit score dropping significantly to 589 on May 18th of this year. I in order to see if it was the truth I check my credit score but my other credit cards and they were absolutely wrong. I do not understand where they got this incorrect information when I was just approved credit card by Chase Bank. I checked my credit score on multiple places and my score was not even where they said it was. It was much much higher now. They want me to prove it and write them a letter. They say I cannot speak with anyone at risk management at Comenity. I am gathering the information and sending what they asked.

This place is a joke. I have several cards with them. I have NEVER missed a payment, they kept raising my limit, only to drop it stating my utilization was too high. So lowering my credit limit will help that how??? It will hurt my credit. No one there will help or explain. Now I get letters that the cards that have zero balance are being canceled??? This place is shady and I plan to fight this.

I had a payment due for April that I paid on 4/19/2018. The May's payment (all payments are the same amount each month) I made another payment on 5/4/2018 for May statement. They put both payments in under April's billing statement and cut off my credit and doubled my payment saying I did not pay for May's bills. We have had words and email and nothing was settled. I am on disability and cannot afford extra payments which they expect $231 due in 5 days. NEVER DO BUSINESS WITH THE COMPANY.

If you don't have a card with this bank. Never get one. They play gamble with your credit. If your score drops for whatever reason, they drop the available credit on your accounts thus damaging your credit even further. I have had about 5 of their cards for over a year and it is a gamble. They drop the limit on your cards especially the ones that you are using to make it seem as if you have 100% or overutilization and the cards that you're not using, they close them so that they can damage your credit even further.

I received an email this morning for the first time EVER telling me my statement was ready to be viewed. I was confused because I haven't used this card since April (which was the first time in about a year that I used it). I checked my account and saw that I had paid my bill in FULL in May (or so I thought). Apparently I was charged a late fee but it wasn't yet added to my account. So, I now have TWO late fees to my account, that I was not made aware of until TODAY. The representative told me I have been mailed and emailed three statements since April. I have not received anything except for the May billing statement that I used to make my payment and the email this morning. I will be canceling my card, because I am not going to continue paying late fees for something I don't even use. I will NOT recommend this bank to anyone.

Have had a credit card with Total Rewards for about 5 years. Comenity Bank is the bank in which the payments go to for said credit card. I take pride in making my payments on time and having an 800+ credit score, or I did. On May 1st I made an electronic payment to Comenity for my cc bill, which was due on the 3rd. Checked my checking account, saw that the payment was made. Checked my cc online statement to see what my balance had come down to and noticed that it still said that there was a payment due. Called Comenity and they said they never received my payment. Called my bank and told them, they said they would look into it. The following day I received 3 emails from my bank, the 1st was to tell me they closed the investigation, the 2nd stated that Comenity returned my payment and the 3rd was to tell me that the payment would be redeposited into my checking account.

I have a few store accounts with Comenity. Most of them are at a zero balance. I have had a rough patch the last few months with some personal problems that caused my credit to decrease. I never went over my limit nor did I miss a payment with any of my cards in the year or two that I have had them. Yet, somehow (they say because they check my credit every 30 days and they do this because they need to protect their investment) my credit limits were decreased from 650 to 250 and 250-100. Now, cards that were less than 1/4 used are maxed out and my credit dipped even more! They told me it would continue to do so until they feel that I have become creditworthy again. My problem here is I never missed a payment with them. Not one.

I have a CC with Torrid and I have always paid on time until this month. All of a sudden I go to purchase online and it says they lowered my CC to $100.00!!! Why even bother and for what? This is crazy and a disgrace. You best believe I will cancel my card now, they don't deserve my business.

I opened a Home and Garden Showplace Discover card through Alsip Nursery when I bought my patio furniture being told there was 6 months interest free if paid in full. Well I sent a big chunk of money the first month (9/2017). It was sent by e-check through my bank. I sent a payment in 10/2017 that went by electronic debit and I have proof that it cleared my account and was sent to my account number with the company. They are claiming they never received it. However they received my 11/17, 12/17 and two payments in January. It has been over 8 months now of me disputing and sending proof of the funds making it to them. They keep telling me they never received the money and that I would have to send a copy of the check to prove it. Well it went electronically and I provided the electronically transmittal form that shows all of the transaction details and everything and they still continue to deny my dispute.

Comenity Card for Victoria’s Secret - My credit limit was decreased to 200 with no notice or reason provided. I called customer service, the rep was confused as he could see I had no missed payments which is typically what makes them decrease your credit limit. I was told I should receive a letter in the mail, I checked the mail while on hold and found a letter from them which states my credit limit will remain at 370. I asked the rep how are they showing a credit limit lower that’s in the letter they themselves told me to watch out for. I was told I have to write and mail a letter, no one there can answer that. Right because writing and mailing a letter and having to wait to receive a response is so convenient while they just dumped your credit score. So frustrating, will be reporting to the BBB.

Earlier this year, I hit a financial rough spot and could not pay my creditors for a few months. I expected the collection calls that came in multiple times a day. When I was ready to get my feet back under me, I tried to make arrangements through the Website since I'm hard of hearing, but my needs were ignored and I was given a phone number to call. When I called Comenity's inappropriately named Customer Care, I was told I would need to pay an amount that would be impossible for me to manage to get me up to date. Really, if I had that kind of money lying around, I wouldn't have fallen behind in my bills.

I have had two cards from two different retailers from this bank. In late 2017 I paid off one of them only to receive a statement two months later with a mysterious fee plus a late fee since that other fee hadn't been paid. I called explained the issue immediately I was told it was an error and they would get it corrected. It took two months and two more phone calls to get it cleared up. I am still waiting for the letter stating the account is paid in full. In Jan 2018 I called in to verify the balance of the second account to pay it in full, I specifically asked if there were any fees and was told no just pay the balance given. So I logged in to the website and paid the amount given which was the amount on the system, again two month later I start getting statements with late fees on them.

I bought some furniture from Z Gallerie in January 2018 and opened Comenity Z Gallerie credit card because of so called deferred interest 12 month promotion. I noticed that I was getting charged 26.99 % interest despite this so called promotion. I believe someone made a mistake at the time of signing up at the Z Gallerie store and didn't get me on the promotion. Despite my calls to Comenity, Z Gallerie refused to honor this so called promotion and I believe this is deceptive practice and misleading promotion. I'll never buy any furniture from Z Gallerie again.

I have had nothing but issues with this company since I opened my account. I am the first one to admit that I’ve overused it, but they do not give payment reminder emails, do not allow auto pay, etc. When I’ve been a little late (within days) they jack up what I minimally owe from 20$ to between 60-90$. When they call you about payments, I have not been asked if I need help with debt or anything, they just resort to calling from restricted number. I mainly have forgotten payments because they will NOT REMIND YOU like most companies would. I would absolutely AVOID at all costs!!

Earlier this year I had a balance transfer issue where the other credit card never posted the transfer. Each day I'd get a response from Comenity that would dispute the one the previous day. I'd get one email or letter saying that it was never cashed. Next day I'd be told it was cashed. I'd ask for the check and they then would say it was never cashed.

Last summer, I opened an account at Ann Taylor. I was told at the time that I would have no difficulties paying my account online. I repeated asked the question and, asked them to verify with the credit department as I am Canadian and do not have an account at a US bank. I was assured that I would be able to pay my account online from my Canadian bank. This is NOT the case!!! I tried to pay my account immediately in the store and was told I couldn't - as I am Canadian. This should have been my first clue that this was a bad idea. Anyway, I got home. I got my bill a while later in the mail. I mailed them a cheque. The cheque apparently did not get there before the due date so, I was charged a late fee of $31 (I believe). I didn't realize this though as my statements take a LONG time to get to me.

I would rate this bank at zero if I could. I made a payment that Comenity-Meijer said it never received. Ok, I understand mistakes happen but... they feel they don’t make mistakes, even when you have a statement from your bank proving transfer of funds. They keep asking me for a copy of the bank check and the bank says Comenity has it because they electronically sent the transaction. My bank has nothing more they can give me and Comenity says it’s not enough. Someone has my money and from the documentation I presented and what others have said I wonder if they have ever looked at their employees... Anyone ever open a class action against them?

This bank will never give you the phone extension or direct phone line or email address so that if you have a complaint record it as otherwise they will ensure you need to retell in detail each and every time you call trying to resolve whatever issue you may have with them. They are specially trained to drive you insane with the same EXACT MO as Zales and Signet Jewelers where you are essentially not ever EVER able to contact the same employee and even if you are tenacious as I am and manage to secure an employee number from them? Any future time one calls and requested to be connected to William employee # ** or Dianne employee # ** or Heather employee # ** or Davian who can’t remember her # you are destined to be drained and exhausted by the process 100% and with as many phone calls as I made to both Zales and Signet and Comenity Bank I can assure you they are all on the same path designed to destruct your very being.

Let my pain and loss keep you from same. Avoid at all costs this company. There is no auto pay and so you will get hit with 29 percent plus fees when you are one day late…with balance transfers they are not using the fed wire system of the last 25 years yet. They use the snail mail system. This means any checks lost are your responsibility and you pay the fees and interest... on money you never received, plus if you do not make your minimum payment on this money you never got... you get 29 percent for life and fees. They are in the dark ages. Avoid at all costs.

I paid the FULL balance displayed on my online bill. Two days after I paid the POSTED FULL BALANCE Comenity Bank adds charges and since I paid my bill IN FULL I didn’t know to check my account for changes this “bank” added to my account. Comenity Bank rep called since my payment was late (it was only the bank charges due) but the rep refused to let me speak to a supervisor to seek resolve so I closed my account. My bill is now $131.00 ACCRUING FINES ONLY AND THIS IS AFTER I PAID MY POSTED BALANCE IN FULL!!

So I open a Hot Topic credit card account for my daughter. Initially they give me a $250 credit limit. I charge around $130 on her due to school clothes and small things like the pop figurines. I very quickly figure out just how ridiculous it is to make a payment on my card. It’s literally impossible because they don’t make it easy. You basically have to mail a check. Or try to use the app which never worked for me either. So because it’s so impossible to make a payment you have to call in. And that takes forever. So difficulty to make a payment is one major reason to stay away from this creditor. And here’s even more. After opening the account with a $250 limit they took it upon themselves to increase the limit. So since it actually helped my score a little bit I thought well ok. But then yesterday I received a letter in the mail that because my credit score had dropped a few points they were reducing the card limit to a $100 limit.

I carry Debt Cancellation Coverage on my credit accounts to cover my balance in case of a medical emergency. I experienced a medical emergency and attempted to file a Debt Cancellation claim only to find out that Comenity Bank had cancelled my coverage with the third party vendor without notifying me. Therefore, I had no coverage when the medical event took place. Conversations with Comenity Bank customer service representatives resulted in their agents yelling at me that Comenity could not cancel the coverage and later that they had every right to cancel the coverage. Needless to say, Comenity Bank has put me in a horrible position that will have long-term negative repercussions on my credit.

I got this card from Victoria's Secret, I schedule a payment for April 17. That payment NEVER credited to my account, even I got an email confirmed about it. My sister used it, she have no problem with it. When I use it, I can’t even pay online by a debit card! This is one of the worst credit card company I had ever use.

I've never seen such a terrible website. I'd heard from others what a PIA it is; I should have listened. AllModern and Wayfair should be embarrassed to use this company. Getting onto the Comenity website is unusually difficult, and I've already made one payment that doesn't show as being made (although Comenity did somehow manage to keep my bank account info, which has to be entered before you can make a payment). LOUSY website. I'll be paying off this account ASAP to get away from Comenity, and it certainly changes my mind about shopping easily with AllModern or Wayfair.

Spoke with a live person who said my balance was $386 so I paid in full over the phone and cancelled the card. Told them it was because they were bloodsuckers. Now I get a bill with a late fee and interest $45.88. These people need to be prosecuted. MY SUGGESTION... DON'T DO BUSINESS WITH ANY RETAILER THAT DEALS WITH COMENITY BANK! Contact the attorney general's office and consumer affairs!!!

I started out with straightening my credit out with a secured Discover card. Applied for VS, got approved for $350, they increased it to $450 within 3 months. I now have a HSN with $400, Fingerhut with $600 along with a Mastercard of $1000. These have really helped me get back on track. All you have to do is pay on time. I pay way before my due date because some banks dont release funds quick enough to show a payment. But overall, nothing bad at all.

Absolute worst business ever. Very fee driven and highly unethical practices. Customer service is rude and incompetent. WHEN (not if) you have a problem, your problem will be handled by an incompetent rude employee that obviously hates their job. Take your business elsewhere, trust me and AVOID AT ALL COSTS.

STAY AWAY Comenity Bank, because it is the WORST financial institution ever! Stores "promise" that you will have 6 or 12 months "same as cash" if you get their store card, when nothing could be further from the truth! Either the stores haven't researched Comenity Bank enough... or they don't care! Some of the stores that are backed by them are: JTV, Big Lots, David's Bridal, Pier 1, Victoria's Secret, Ann Taylor, Meijer, Abercrombie & Fitch, Crate & Barrel, DSW, Eddie Bauer, Game Stop, Gardner-White Furniture, HSN, Lane Bryant, Marathon, NY & C, Pottery Barn, Value City, Wayfair, Zales, and many more!!! BEWARE!!! Comenity charges fees on top of fees, and no matter HOW much you pay, they will make it EXTREMELY difficult to get the account paid off!

Payments after 8pm are late? Ummm according to what time zone? I have no other credit card or bill that requires me to pay it by 8 p.m., this is unheard of! Don't be fooled. They do this only to charge you a late fee. What CC do you know of that doesn't allow you to set up automated monthly payments? Well the answer is only a piece of crap company who preys on people and DOESN’T WANT THEM TO PAY ON TIME so they can charge another late fee...this is their biggest income source!! I just can't wrap my head around why these companies (Ulta, Vic Secret, HSN, etc) choose the worst CC co. out there? Why would they want any affiliation with scum-of-the-earth?? Really it says a lot about them and how they truly feel about their customers...guess they just don't care. Real customer service doesn't exist with these companies. It comes down to Dollars and that's all that matters to them.